What Does It Cost
Transparent pricing, no hidden fees
Instead of charging interest, a Home Equity Investment lets you share a percentage of your home’s future change in value.
What determines your cost
Your terms are personalized. A few factors shape the share of future value you agree to and the amount you can access:
- The amount of equity you access
- Your home’s current valuation
- Your location and local market conditions
- Your existing mortgage balance
- Your property type and condition
Fee breakdown
- Origination fee
- 3–5%
- Processing fee
- $0
- Monthly payments
- $0
- Prepayment penalty
- None
- Hidden fees
- None
An Example
How settlement works
An illustration for education only — your actual terms will differ.
Suppose your home is worth $500,000 and you access $75,000 in equity, agreeing to share ~25% of your home’s future appreciation over up to 30 years.
If your home later settles at $600,000 — an increase of $100,000 — the investor would receive the original $75,000 plus ~25% of that $100,000 ($25,000), for a total of $100,000.
How the cost compares
For $100,000 of financing, an HEI works differently from traditional debt.
| For $100,000 | HEI | HELOC | Personal Loan | Credit Card |
|---|---|---|---|---|
| Monthly payment | $0 | Varies | Fixed monthly | Minimum due |
| Interest | None (equity share) | Variable | Fixed | High, compounding |
| Total interest paid | None | Adds up over time | Adds up over time | Highest |
| Income requirements | No | Yes | Yes | Yes |
Ready to access your equity?
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